Charity and Not-for-profit Shop Insurance

 

Aiding you with the right insurance cover

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Comprehensive Charity Shop Insurance Tailored to Your Business Needs

As a charity shop owner, you often have a long list of jobs that need completing. From managing stock and donations, to recruiting volunteers, you’re constantly busy. However finding the right insurance policy is now something we can take care of.

All you need to do is tell us what you want your insurance policy to cover. We work closely with specialist insurers to arrange a policy that covers the areas of your business that you need protecting.

Whether you need high levels of stock insurance or business interruption cover, we can arrange the right insurance cover for your charity shop.

Cover Available for Charity Shops

  • Accidental damage.

  • Public and products liability.

  • Employers liability.

  • Contents.

  • Buildings.

  • Business interruption.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Money at home of insured or authorised employee.

  • Goods in transit.

  • Glass.

  • Legal expenses.

  • Book debts/accounts receivable.

  • Loss of rent receivable.

  • Tenants improvements.

  • Subsidence.

  • Terrorism.

  • Embedded machinery breakdown.

You Could Save Over 10%*

Mon-Fri: 9am - 6pm

Call our team to receive your free, no obligation quote today.

Quote line: 0330 134 4564
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*We randomly surveyed 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. This data excludes commercial and residential insurance for landlords.

What Kind of Charity Shops Do You Insure?

Different types of charity shops have varying needs of protection. For example, your charity shop may sell clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity’s insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we’ll look for a policy that best suits your needs.

Why Do I Need Charity Shop Insurance?

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity’s activities causing injury, illness or property damage to a third party. If an unexpected situation such as this were to occur, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

What Charity Shop Insurance Cover Do I Need?

If you have employees, by law you need employers liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee’s negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn’t be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

What Optional Cover is Available?

As we work with a panel of specialist insurers, we can arrange the insurance you want and need. All you need to do is tell us what you would like including in your policy and we will arrange that for you.

How Much Does Charity Shop Insurance Cost?

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

You Could Save Over 10% With Us*

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Call the quote line: 0330 134 4564

Mon-Fri: 9am - 6pm

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